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WelshWoofer's Staying Debt Free Mission
Comments
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Well you managed to do loads off your list, I am very impressed. I have done an awful lot less...I will try harder tomorrow:D
Your afternoon sounds lovely, with your dog and a drink;) Best thing to do in this weather!I really need to sort out a new signature!0 -
Hi WW - can't believe how much you've got done - well done youAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/250 -
Got up early again to watch a magnificent Welsh win at the rugby world cup:beer: - 6am kick off though - not nice!
The weather seems to have broken here - grey skies and a few spots of rain - well I suppose it is October after all.:( Not cold though so heating will remain off!
Not much planned for today - generally schoolwork and faffing about ...- Got an email confirmation about free card from FunkyPigeon - for anyone interested use the code FUNKYRETURN this weekend when checking out for a completely free card:T
- Got free Bodyform samples through the post yesterday later on
- Walk dog lots
- Lots of schoolwork
- All food from stores -mexican bake for tea I think?
- Dye hair
- Wipe down skirting boards
- Think about buying a Sunday Mirror - there's a £6 off a £40 spend ar Mr M voucher but they'll take it Mr T's too - do I want to stock up and spend £40? Hmmm?
- Pop to restaurant to pay deposits for Xmas meals
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Hi WW - glad that you seem to have got so much done. I feel like I've had a far lazier weekend!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/250 -
Not really really busy - just lots of little things done. Managed everything on the list though.:beer:
What do you watch on a Sunday night if you don't like X Factor or period drama? Telly is rubbish tonight!
Have just made tomorrow's lunch - nothing very exciting just a sandwich and some fruit and houmous.
Its rained virtually all day today - pouring down now - summer is over again!
Only 15 days of work until a week off - but its open day on Saturday which means an extra half days work (unpaid:(). So it will be a long week this week....0 -
Just a quick list of evening meals for the week....(veggies listed to make sure I'm eating enough F&V)
Monday - quorn meatballs in passata with spaghetti (tomatoes, onion, mushrooms)
Tuesday - mexican potato bake (red onion, red pepper, tomatoes)
Wednesday - cheese bakes and beans
Thursday - sausages, roasties, peas and gravy (peas, maybe parsnips too)
Friday - fish and HM wedges and salad (salad)
I have at least 3 pieces of fruit every day so hopefully I won't die of scurvy!:D0 -
I like xfactor luckily but would also prefer more variety....
Well done on the meal planning... I need to try and do some meal planning... I would like to do some batch cooking but haven't got round to it yet this week... I often do thoAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/250 -
Afternoon all - not a lot to report, just work work work....
I have taken lunch to work every day so far and today have had a complete NSD (very rare!).
Yesterday was an odd day - it was my wedding anniversary and mixed feelings really - I know I've done the right thing in separating but still strange on a day like that really.
Oh well, life goes on....
Just a bit of work to do tonight to try to minimise the amount of work I need to do on the weekend.
This weekend I may be going out with friends from home that are visiting Manchester for the rugby league final and I'm working Saturday morning so could do with as much time off on Sunday as possible (may be a hangover involved too
). 0 -
Hi WW - anniversaries and birthdays are hard in this kind of situation. Just be kind to yourself - as you have a lot going on right now.
Hope that your weekend is happy and fun! Feels weird to be talking weekend plans on a Tuesday - I am more a last minute person!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/250 -
I am shattered - a full morning teaching with not even 5 mins off and then straight into an afternoon (no lunch) with the local group of adults with learning disabilities - our school has strong community links and hosts an afternoon every month for the group and today was my turn to volunteer - I did a science event for them with lots of little experiments to try - they thoroughly enjoyed it - I'm kn*ckered!
Not much else to report today - had no time for anything else other than taking the dog to the park. Had a LSD - just £5, will hopefully be a NSD tomorrow.
Frozen pizza for tea - haven't got the energy for anything more complicated!:o0
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